TOP SECRET BANKER’S MANUAL FOR BANKERS ONLY ‘This manual is designed for ‘Bank Presidents and Vice presidents only. ‘Do nat allow lower level bank employees {0 Teviest Topics SECRET LOAN AGREEMENT ‘COURT AND UCC SECRETS HOW BANKERS CAN QUICKLY DOUBLE INVESTMENT MONEY METHODS FOR CONTROLLING THE MEDIA, POLITICIANS ‘AND JUDGESMessage to Bankers, Politicians and Law Enforcement TFany threats are made to Mr. Schauf or laws passed to attempt to stop [Mr. Schauf-we have a legal plan. We have a plan to checkmate the bank: rs no matter what strategy is used to stop Mr. Schauf. Mr. Schauf has placed critical information in the hands of others that will be released, en ‘mass, if bankers/politicians take certain actions. Mr. Schauf will at in a Jegal manner-act decisively-swiftly in a way that no banker will want to happen. If Mr. Schauf has problems he will presume it came from bank- ers and legal action will be taken, Mr. Schauf suggests that the bankers make certain that Mr. Schauf remains very happy. Bankers may approach Mr. Schauf with a setiement offer. If Bankers try and go to a national ID/computer chip implant, use terrorism to force their hand, make threats against Mr. Schauf or use othet methods—Mr ‘Schauf has a plan to legally checkmate these attempts and win against the bankers. Mr. Schauf believes that he was called by God to lead the nation ‘out of Debt Bondage and Mr. Schauf fears God more than Man. ‘Mr. Schauf assures all Americans that every contingency has been con- sidered, along with our response. WE WILL NOT FAIL. God is with us ‘and no man can stop God. My goal isto inform every American tothe truth so they can then vote me in.as president so I can correct the banking problem and return their rights ‘and freedoms, Contents Introduction ‘About the Author ‘About the Manual - Its Purpose Chapter 1 - Waring (Chapter 2 - Court Strategy CPA Banking Report by THOMAS SCHAUE, CPA. Chapter 3 - Additional Laws & Strategies ‘Chapter 4 - What Bankers Fear Chapter 5 - Notices... Chapter’6 - Two Kinds of Money Chapter 7 - Credit Cards. Chapter 8 - Credit Card Bookkeeping Entries. Chapter9 - Debi Collectors. — Chapter 10 - Doubling Money .. Chapter 11 - Changing the System Chapter 12 - Ultimate Fear of Bankers Chapter 13 - The Threat to the Economy Chapter 14. Title 12 US.C., The Banking Law Gamer 15 - Auditors and Atomeys Chapter 16 - Introduction to Preliminary Judicial Procedures... 83, 17 Phe Bie ad Tanya Danlng Sommaty .. on 97 Appendix 102 ‘Suggested Court Admissions .... 103 STRATEGY OF NOTICES 106 NOTICE OF ADEQUATE ASSURANCE OF DUE PERFORMANCE AFFIDAVIT of |. Ben Robbed. AFFIDAVIT [Bank] : AFFIDAVIT (Credit Union} NOTICE and DEMAND. i NOTICE OF ALLEGED LOAN DISPUTE - NOTICE OF HOLDER IN DUE COURSE STATUS NOTICE FOR REQUEST OF CONFIRMATION [1] NOTICE FOR REQUEST OF CONFIRMATION [2] NOTICE OF BREACH OF AGREEMENT NOTICE and DEMAND FOR FULL DISCLOSURE PROOF OF MAILING and CERTIFICATE of SERVICE . 148 ‘Acts, Statutes, Regulations, Term : 150 Excerpts from TDISCLAIMER People reselling the Top Secret Banker's Manual and books one and two may offer consulting services and/or other products Please be aware that Tom Schauf has no partners and that any- ‘one you contract with for consultations or other services is act ing as an independent agent. Tom Schauf has no control over what other people offer you as consultations, comments, ad- vice, information or products, Tom Schauf is not liable for what these others may offer or the results thereof. ‘This manual is for educational purposes only and not legal ad- vice. Tom Schauf is educating you so you might vote him in as president to correct the problems. Forward Inti forward Tom's coho Themen Yrs Te ak: ‘Tom says, “Lknow God called me to get the banking mes- “sage out tothenation. [do not claim to dothis from my power buttather ‘from the authority, power and provision of God’s anointing in my life.” ‘Since March of 1998, T began reading Tom's books and listening to his faudio tapes, and frequently heard Tom on shortwave radio as I tried (0 _getaliemative news about what is really going on in this country. After ‘confirming Tom's information by my own research, and participating in ‘Tom's weekly conference calls it became apparent that it was time for ‘me to take an active part in assisting Tom in his calling. ‘Ina recent phone call with Tom, he wondered why he had been missing “some important Financial exchanges in his most recent venture. He real- ined that God wanted tis Manual completed first! Tc appears to me that God is ready NOW to begin the fulfillment of the Vision described in abakkak 2: “Then the Lord answered me and said, “Record the vision, and inscribe it on tablets, that the one who reads it may ‘tun. For it is yet for the appointed time; it hastens toward the goal, and it will not fail. Though it tarries, wait for it; for it will certainly come, it will not delay... ‘Behold the proud one, his soul is not right within him... Will not all of these take up a taunt-song against him, even ‘mockery and insinuations against him, and say, ‘Woe to him ‘who increases what is not his — for how long — and makes ‘himself rich with loans? Will not your sreditors rise up sud- cuss. 31versed the first court decision because the frst attorney violated the ‘They never tell you who owns the note. They have been known to the notes, you pay off the entire note and the bank gives you a sh paper saying itis all paid off. Then 5 years later the owner of the m forecloses. Why? It is simple. You never got the original note back Yyou must prove that you paid off the nate. People have been foreclo fon who paid off the note 5 years ago but lost the one piece of saying that it was paid off. They throw out their old bank staten showing that they paid it off and did not get back the original note is why itis important to see the original note and get it back. This is itis important to follow the law and get the note, and see who own and get back the original. ‘v. | sod gave us a wonderful government and laws and court cases. You sed 1 use what God gave us to protect your sights Don‘ let some “joey violate your rights and get your property for free, We merely ‘ant to know the whole truth and nothing but the truth regarding the ‘hole agreement and bookkeeping entries and follow the law. What is ‘rong with that? Ifthe bank has nothing to hide, then let them explain Ii of the details. We simply believe that the party who funded the loan, pet the bookkeeping entries, should be repaid the money. Who could frgue with that unless you are a swindler, Only a swindler would try and suppress evidence proving who funded the loan. They cannot prove us ‘erong so now the aitomneys resort to name calling, We see this in court. ‘When an attomey cannot geta witness with personal knowledge to prove their case, the attorney tries to be the witness telling the judge that our guments come from Google.com and are nonsense as the attorney ca0- tot explain GAAP, the Federal law that they should know. So do we have another Enron, Arthur Anderson CPA firm on our hands? The jury convicted the CPA firm of Anderson on June 15, 2002 for obstruction of justice for impeding an investigation. Did you know that Anderson was big bank auditor? How can we trust them or any other CPA firm audit- ing the banks? We have a number of CPA's now who agree that federal law GAAP was violated and this means that the audit is like the Encon situation. The bank attomeys do not know GAAP and cannot testify to GAAP. Only’ CPA can testify to GAAP and now honest CPAs are ex Posing the ruth ‘Two people taught by Tom have been winning on credit cards. One p son invoices the credit card, then sends an opportunity to cure and the invoice. Then he sends a default judgement. Next he sues the cra ‘card company in small claims court. Results have been wins and credit card companies have issued checks back to the victor in smi claims court. Some small claims will not allow you to sue an out of sta business. Check the agreement regarding juzisdiction, arbitration court location, One person uses a bill of particulars if sued by the eredit card compat then enters a motion to dismiss the court ease brought by the credit ea company for not complying with the Fair Debt Collections Practices, and giving verification/aifidavit by someone with personal knowled and he uses our CPA Report and our CPA expert. Results have ‘successes. AS write this it is not a 100% suecess. The week I wrote this ‘one man had his mortgage cancelled on one house, but on his other house] the mortgage was not cancelled, See Appendix for “Suggested Court Admissions”. ‘There are a seties of court cases on void and voidable judgments attorney foreclosing did not tell you that he is a debt collector per th supreme court ruling. You had no opportunity to demand verification affidavit signed by the attomey, with personal knowledge, verifying th debt. The attorney forces you into court and wins. The attorney b the law by not informing you that he is a debt collector. People hav used court cases showing thatthe first court case is void or voidable 32pene ne Te eat ice any ann ee cost, and risk of the ‘alleged transaction and agreement. The: ee se a enh srand the ral agreement. CPA Banking Report by THOMAS SCHAUF, Sly, 2002 Important: This report is copyrighted, Copyright 2002 Thomas Sch ‘Unauthorized copying or use of tis report is prohibited and each ited copying or use is subject toa fee of $100,000 cash, United St serve lication Modem Money dollars per each unauthorized copy or use, payable to"Thomas Seti 10 Federal Reserve Bank put He nem Da ait ale he boower's ans econ (which is commonly: ‘called a checking account). Please note ie ond “borrower's” is possessive. Page three of the same report, sec i olumn and second paragraph, claims | ‘that the | emis create new ‘money Frias are granted. If you! ‘read the page, they redefine | ee ae seen whch epost money Teen af Set Ot ye CAA gi ep ed aa SoA seta nn a at edema he cick go Acorn lacks Law Dic tian ya tenes noo emen e ‘This banking teport is to expose the lies, misrepresentation, and w ‘smoke and mirrors by bank auditors and CPA auditors, ‘To avoid repeating, one may go to the three books that I have wrt banking to find my background and location, I am an Linois CPA. Ihave testified as a court expert witness for roughly ten y taught CPA continuing education classes for CPE over a period of a ten years. I have taught at major universities and nationally teaching CB hhow to testify as a CPA court expert witness. [ have been on a nurnt radio and'TV stations and have written information on the banking i tuy relating to this report over the last ten years. We all know of the Arthur Anderson CPA firm, Enron and World@e ‘audit scandals. As I was teaching CPA, CPE classes 10 more than 2 (CPAs over the past ten years, Tasked my CPA students if any were b ‘auditors. I talked to a number of those bank auditors and they admit the banking system was a fraud, but they could get away with it becat ‘no one could explain it in court or they could use smoke and sai hide the truth. This report is to expose the smoke and mirrors and the truth, Federal Reserve Bank of Texas publication Money, Banking = sit ttary Policy explains on page 11, that banks create money ibe soa it The loan becomes a new deposit into the customer's checking: ‘ust ike a payroll check does, For the record, use Federal Reserve Bank publications and bookkeep entries as published by the Federal Reserve Bank to document evel ‘material statement in thistepor. Ths teport includes house, carand ot ‘bank loans and credit card loans where the bank recorded the promiss note or receivable asa bank asset as shown in the Federal Reserve Bi publications Federal Reserve Bank of Boston publication Banking Basics page one claims that the money deposited belongs to the depositors. Federal Reserve Bank of New York publication The Story of Bunks Pate ie claims thatthe bank frst depts the money and hen uses ek Posie money to mike the fans. Then it claims that a ot of money created when the banks, credit unions and saving and loans Bank auditors have repeatedly told me that they claim that they it ‘cash as they record the bank loan agreement promissory note as a ball e 35Federal Reserve Bank of Chicago publication ABC's of Figuring Inter faze two claims that when you depost mouey into» viet sou make a loan tothe bank. According 10 GAAP, he new ‘bank ia ‘proves a loan to the bank: pac’s Law Dietionary explains a deposit as placing money in he tody of a bank to be withdrawn atthe will of the depositor Federal Reserve Bank of New York publication 1 Bet You ‘Thought plains i very wel on page twenty-seven that banks CSS 1 Maa er hey gant loans by simply depositing the Borrower's Poi ory note asa bank ase offset by anew bank ibility Page five! “ory raney does not have x be issued by the government Den special form, combine wiat the Federal Reserve Banks above have amit it ing and you have dhe fact thatthe bank used the borrower's prom ote as money or like money, hereinafter ealled mone), deposited of ae tas a bank asset to give vale to check which the ban 18 st: borrower asa Toan, When the bank deposited the money (os PE iesory noe), the money deposited was alan 1 the bank. THis is tent with GAAP and the matching principle. Bank auditors pe se hat they must ide the ean tothe bank. the Joan to he Ba hidden, then you have the economics similar t0 stealing, counterfeit aacrerindling. ait we ask for is tha the party who fended he Joan she bank bookkeeping entries, be repa the money- What hones P ‘would argue otherwise? tone argues that the one who funded the Toan er the bookkeeping © woe ould not be repaid the money, then they se anguing dst ‘one the parties has a right to swindle the other patty. My ‘question is" Trae agreement gives that party the right to swindle the ome P Show me! Americans want to know. Ifthe bank cannot answsi> they Io the argument by their silence ie tf ow explain what bank autos have tld me are some of the vero and mirrors then T wllty amd expose the misiformais iors cant give a complete answer a5 10 what money Tobe BEA. one mst have the competence 0 ‘complete the assignment and if ot answer what money i, they have Do ight v0 aut the books ie ly. Typically, bank autos wil ‘claim thatthe promissory note is oe tsoney and tha he bank id not depos mY received from the Ferrer and atthe borower did Bot ‘make a deposit atthe bank or tarunon. Tey then cam tha 0 [oa We ‘exchanged. Typi- Sy tbe, they go through the motions Hast GAAP was followed ea everthing i inorder just ike Arthur Anderson, did just before the ai i raud was exposed. Then the cypical bank and credit union auditors ave following example that auditors have privately told Tom Schaut rick to deceive the judge and general population ‘Tom Schau will fat give the trick, and then expose the tick. _pe wick goes lke this, The bank does not deposit the Prone note. ‘The bank oF credit union records the promissory note of credit card pur hase as am asset on the books ofthe bank or credit union and credits cash fr balance the books. The borrower got cash. This # exactly what one pank auditor tld Tem Schauf and admited that this is fraud anda lie vam ine, the typical bank and credit union autor wil ey and avoid rolining thatthe cash ari credited is now deposi’ ‘The deposit is i to eash anda credit bank Liability ikea checking aecovt" fmand deport acoount of savings account The new result is exactly seta the Federal Reserve Banks have already admitted. There's 8% nt waet and a new bank Liability. The new asset case from the bor Pa bank Habiity means the bank owes money related 1 the new asset. Inthe previous mentioned bookkeeping entries where bank auditors claim tha they credit ash, they can teplace the word cash withthe word check ant you have the same economies at bookkeeping entry on the typical ‘oan, The trick they use is that a check and cash are: ‘similar because you can geteash fora check. As mentioned earlier, check isnot cash, uta Promise to pay a certain sum of money. Thing is. few pele ust cash, post use checks and the auditor knows this. They can sell the promissO0y oe fg cash Logic wells us thatthe auditor is wrong here, claiming Wat they gave you cash. The bank or credit union ‘auditor must agree that the Iwomissory note is recorded as a bank: asset, typically recorded under a7 —————Joan accounts. Ifthe offset or credit is o cash or check, the typical rower deposits the cash or check resulting in a debit to cash or check, actly what the Federal Reserye Bank publications eatlier stated that new bank asset and new bank liability and the economies are the similar to depositing new money. I challenge any bank or credit auditor to prove this paragraph wrong. They either remain silent of: and get off on another subject to confuse the issue, Now some auditors are stupid enough to keep the game going by fo ishly claiming that no money was deposited to cover the check thus mitting to a criminal act of check kiting and a fraudulent aut, Som Pretend that the promissory note is first sold for cash, the cash is dep ited to give value to the check, and then the promissory note is re asa bank asset. This isa stupid argument because the result is a new b asset and a new bank liability just as F'said earlier. In all of the ‘cases, the bank or credit union got the promissory note for free, new credit or money equivalent was create, The party who provided the rower was the same alleged borrower and the party who funded the lo per the bookkeeping entries, is not repaid the money. This creates th ‘economics similar to stealing, counterfsting and swindling. This chang the cost and the risk of the loan compared to if the one who funded t loan is repaid the money. Tom Schanf challenges any auditor to pra that the economics are not similar to stealing, counterfeiting and s\ dling and thatthe GAAP principle of matching was not applied by mata ing the new asset with a bank lability showing thatthe bank owes mone to the alleged borrower as indicated inthe Federal Reserve Bank publig tions. The matching principle works lke this. Ifyou deposit $100 of atthe bank, the bank must show a bank liability of $100 showing that bank must return the $100 to you. IF the bank accepts cash or a prom sory note from you to give value toa check, shonld not the same econonte ics apply to stop the economics similar to stealing, counterfeiting an swindling? Should not the party who funded the loan, pec the bookkeej ing entries, be repaid the money? The bank or credit union auditor cannot ye have a right to know and understand the entre agreement and the fponomics and the bookkeeping entries. Thomas Schauf is looking to {ore abank auditor into a court deposition and force the bank auditor to veal of the deals ofthe bookkeeping entries, explain what i and is sotmoney, money equivalent and credit and explain tne economics of the fansaction, The bank or credit union wrote the agreement, they executed ihe bookkeeping entries, and we have a right to know and understand sghat the agreements and the economics of the agreement, One question Jemains. Is the party who provided the asset that gave value tothe alleged ask loan check, perthe bookkeeping entries, tobe repaid an equal amount fvalue, for the value that was earlier provided to fund the loan check? If the answer is no, do you agree that it is a swindle? Ifthe bank can get none or an asset for free from the borrower or steal it by knowingly hiding the full terms of the agreement and then return tke money to the victim as.a loan, they could own nearly everything in the nation similar to the economics of counterfeiting? Demand the auditor produce the bookkeeping entries to prove the prom- issory note is not used to give value tothe check and thnt other deposi- tors’ money was used to fund the loan. If this were the case; the book- keeping entries would be a debit toa checking account ordemand deposit account or savings account and a credit to cash. The promissory note ‘would not be recorded as a bank asset. The depositors cannot spend the money taken out oftheir bank account which was lent to.the borrower. ‘The borrower repays the loan and the money is returned to the party who funded the loan. Economically speaking, everyone has equal protection. There are no economics similar to stealing, counterfeiting and swindling. ‘Theres only one key issue. According o the bookkeeping entries, should ‘he value of the money or asset that was used to fund or give value to the loan be returned to the original party who provided the money or asset? If the CPA auditor says:no, then we have the economics of a swindle. Ifthe CPA auditor says yes, then there is no disagreement and we all agree. |Who could possibly argue thatthe one who funded the oan should not be repaid the money unless they are trying to reate the economics simi Wo «swindle? They would have to hide the true bookkeeping entries if this were the ease. If 0, have the auditor give the complete details of the bookkeeping entries including who provided the asset 1o fund the loan. 39Ifthe bank CPA cannot explain or does not understand what ing about, then he or she does not have the competence tt ‘audit assignment and has broken the ethies of a CPA. Have the bank or ereit union CPA auditor give all examples of thi ‘useas 1) money, 2) money equivalent, 3) things of value that check. Is money recorded as a bank asset or liability? 1s cash the bank use a note as money? Is the promissory note used to check of similar instrument” Is it the intent and bank policy t auditor must have the competence to answer these simple qt took on the assignment to audit the bank or credit union. 1th they followed GAAP have them give details and answer our ds the CPA claim thatthe Federal Reserve Bank publications are ‘amine what the CPA says and see if vhey refuse to answer Our tions to determine bank policy, economies of Joan, and what the keeping entries of GAAP really are. Ifthe bank: CPA disage=ss 5, they have no credibility. One CPA au Jhauf told Tom that these arguments are ‘Tom made him answer specific questions and then be admitted th ‘was a fraud. Ino money was deposited to fund the bank loan tan it be legal? Who provided the money to fund the loan? Have the bank or credit union auditors prove that the Fed Bank publications are incorrect in that money is ot first then lent out. Have them prove that the intent ofthe agree party who provided the asset to fund the loan, per the Ties, is not to be repaid the money or valle of the asset that loan. “There is only one real issue to be resolved. Ask the bank oF CPA auditors to answer the following questions. Is it the bas the loan agreement that whichever party provided the asset 10 to the loan, according to the bookkeeping entries, is 0 be ‘equi amount of value plus intrest when the loan is repaid ‘imple and basic concept any competent CPA should under 40 nod the fan o the borowe the borrower should De repaht eye borower funded the loan, then the paty Po ibe repaid the money. Now we mast decile, per shou! de etic, i we bosrower Funded the lean. wided cash or a check or an asset that ‘the bank depos- fe vale th oa, the bank asset and liabilities will challenge the bank: auditor to prove me wrong, Ifthe bank lent Hg money and did not accept an asset from the borrower (0 rato fhe fan, he net veal banking aes 098 ie Mom is transaction wouk! not increase. 1 challenge any bank ae ove sue wrong. THs just rold YOU Who ‘funded the loan. Ae- NOGAAP and the Federal Reserve ‘Bank publications, the net pe total transaction | of the bookkeeping entries was that the net casa bles increased challenge any CPA Pal aud- ape me wrong.’The CPA.can play with words, ignore the issues, ore sh and talk about nothing oF importance, but if they do ise to prove me wrong, you know everything that you need t0 the benk auctor will go into great detail on how they fol P and belong toall tbe bank societies, organizations and even This is alla bunch of meaningless chatter if they cannot agree oncept of GAAP called the matching principle, The match heans that ia bank accepts an asset from Joe, the bani the asat by a bank liability showing Unt the bank owes Joe from Joe, refuse 1 show it ng principle stops swindling. Have the ‘rove Tom Schauf wrong concering this. To end the discussion {GAAP matching principle, the CPA auditors will try and claim that sete cash and not a liability account. The net result, no matter cook the books, is a new bank ability once the promissory note ed as an asset or the credit union posts charges to the creditcard sccount, The Federal Reserve Bank publications show the principle claiming that two loans were exchanged as is correct {GAAP matching principle If two loans were notexchanged, then athere is tax owed tothe TRS forthe stolen promissory noe, Did the bank pay the IRS tax? The matching principle does not allow anyone to Stal your asset, exchange it for something of equal valoe, and return the Vlog stolen to the victim asa foun, "The bank auditors who claims that cal op check was credited in exchange forthe promissory note, which i fe conded as an asset, tthe promissory noe for fee and exchanged the value ofthe promissory note for a check and returned the check tothe victim asa loan having the economics simile to depositing the promis: sory noe like money which allows the ban to get the promissory ote for free and create new money. The economics are like the bank is acting as money changer and calling it a loan. Ifthe bank took your cash or stole the cash and used the cash to fund check and returned the check 9 yous loan you can understand iis like stealing, Replace the word cash ‘vith promissory note and you have similar economics. Claiming that cash ‘ora check was credited is only smoke and mirrors accounting and cook: {ng the books, which gives the economics similar to stealing, counterfeit ing and swindling. Have the bank CPA auditors prove me wrong. ‘ If Joe signs a promissory note and itis agreed that Joe loans the promise sory note to the bank. the following bookkeeping entries are recorded, “The promissory note is recorded asa bank asset and the bank records @ bank tibitity showing thatthe bank owes Joe money for the loan to the ‘bank. This shows two loans were exchanged as proven by the new asset and new liability, Under the smoke and mirror method, the bank records the promissory note as an asset resulting in a new bank liability whem everything is completed, but tis time Toe's name is not on the bank lie ability, ‘The bank CPA claims that two loans were not exchanged. The bank got the promissory note for free as the bank created new money and the party who funded the loan, per the bookkeeping entries, isnot repaid the money. Have any bank CPA auditor prove me wrong. A bank auditor hiding this must claim they credited cash or check but when the cash of checicis deposited you have the new asset and new liability. This tempo= rary bookkeeping entry only hides the true transaction and economics. A check isa liability and who gets a hand full or bag of cash when they get ‘car orhouse loan? As the bank CPA auditors told Tom Schaut, iis a lie that cash was credited, it was only called cash to get everyone off track to the true nature ofthe tre economics. Bank auditors typically call cash things other than cash to hide the true meaning of the word. The bank 42 ‘auditors admitted to Tom Schauf that it was a lie and that the true party ‘who funded the loan, per the bookkeeping entries, is never repaid the money. The auditor told Tom that there is anew asset and liability and the liability means thatthe bank owes money for the asset it accepted as an ‘asset, That is basic GAAP. The bank got the promissory note for free by ‘creating new money and violating the GAAP principle of matching. Then, svhen you ask the bank or bank auditors forthe truth, they typically mis- ‘represent how it works or refuse t0 explain, Please notice how I gave the Fecleral Reserve Bank publications and page ‘numbers and bookkeeping entries. What proof does any CPA have to prove sme wrong? The Federal Reserve Bank publications claim that new money was created in the loan process, the new money is deposited and there is ‘anew asset and new liability and money is owed for the mew liability, so svhat CPA bank auditor would be a big enough foo! to claim that this is not true? What CPA bank auditor is foolish enough to claim that if you ven Tom io the aire th Ne alleged document agresing (© Mibitrasion was aforgery 2 her] iS aereement allowing te abitalor Meanie The arbitraxor wast0ld thal afbe did arbitrate that Tom would woe he arbitrator for damages: THE bitrator refused to arbitrate: TPE stpiwator knows that we banks Pad ne shim and keeps geting ONEY ar the bank, So who do you tink the arbitrator wil rule in fa¥Or are banker knows that he bask WO tefore it got started. Its Hike tiring the fox 1 guard the chickens The chickens are dead in that dea -To-win, orally win soqites that We Bo the voters to agree with ws. IE vot the court will ot be the ansive5 They will just change the rules against US. “This is not intended as legal advict -thisis only to show you the histor: Tat nformation per wlephone call © Tom from people claiming SUC- sess, We cannot guarantee Success “The inten ofthis manval i to show 90% tne law and allow you to be the judge and jury. Hyou agree 10 om, belpus win ournation back the Judge ot by goine to court, butby REIDE getthe voters to join us S0 pat we become the lawmakers $0 WA onteol the judges, sheris nd bankers the legal way Carough the vote. 49Ifyou goto court, and get out of nd et ot of your oan but wed not se the wnt tn he ae cs wil mand» Naor De tensive you. So, wht good et winnngin coun ive lowe he re lowe he toa the bankers? You ould et many ters to joins ho coud bel us ga 10,000s. YES, YOU CAN MAKE A BIG DIFFERENCE. 7 If we do not do anything, they will go to a cashless society giving them total control over you. This isthe time to 1. This is the time to win back a nati ‘and stop slavery. a ‘We expect the bank to change strategy in 2003, The new bankruptcy law ‘will mean that you eannot cancel your creditcard debt. They will simply ari yor wages and frelon your huts afi hey ce into involuntary bankruptcy. Ask your legal counsel aboi legal counsel about demand sioat of to dein lads Tht ght youre dots ll For research please look up these court cases: aoe ‘the note in question was not payable ‘to order or to bearer’ the: ni pye i ot olin do was Ta A.D.2d 752, 507 N.YS.2d 225” oa “Where an instrument is neither payable to order or bearer no one ean qualify as a holder in due course. Key Bank of Southeastem N. Y. ¥. Snipe motion ishabat a SSEA 24 604, 523 N.YS.24 50 Chapter 4 - What Bankers Fear rom taught over 2,000 CPAs nationally on appraising businesses and testifying in court as an expert witness. Tom owned and operated his ‘own CPA firm and business brokerage business for about ten years, AF tor one ofthe seminars in Pennsylvania at a Holiday Inn, Tom talked to tr controller {top accountant for a major bank. Ina private conversation, ‘Tom thought he would see i he could get a reaction out of this aeeaun- tant Tom sci to the controller, You know that all your bank Toans are t fraud.” Without hesitation the controller agreed. Tom said, * Aren't {ou afraid that you will go to ji.” The controller responded, no. He then explained how banks create money and he who owns the money controls the judges, lawmakers and the media. He explained how adver- tising money, loans and direct bank ownership and how bankers poit- cal eontribations control the politicians and the laws and how money ‘contol the media Ia politician votes agains the bank, the bank heavily funds their opponent next election so thatthe bank politician wins. All the potticians know that they need the bank’s media and money t9 get lected. He even boasted how the bank controls the FBI (Get the idea of Sry they look away rights if they call someone a terrorist”). He then waid, "If someone put together a brochure and passed it out in mass | ‘yould immediately, permanently leave this country. Ifthe American people ever igure out what we have done to them, they would put all oF wr bankers, judges, sherfis, and lawmakers in jai.” He then laughed and said, "The American people are too stupid to figure out what! we have ‘Gone to them, they will never be able to explain tis in cour.” He let ‘Tom know how foreclosures are very profitable and when the bank helps the judge, politicians, and sheriffs yet the profitable foreclosures, The government agents inthe bankers’ pocket have very profitable invest thents, The bankers and politicians call it good business. They represent their personal investments, not the people that elected them. Currency tradingisalso very profitable. Some government agents ping the bank: tr get 100 percent profit a month on thei investments, He explained how the goveruinent agents sold their soul tothe bankers all for the love of money. ‘This is why it is critical to get as many websites set up and get out the 51‘emails. Help us sell the books, and get the voter angry enough to tall hishher friends. The book sales helps us raise the money needed to win the nation back to the truth. ‘As Tom conducted CPA continuing education seminars to CPAs and law yyets, a number of bank auditors told ‘Tom that it was a fraud. The audi- tors tried to get Tom to swear to secrecy about the bank money creation and how it controls the government leaders and judges. Obviously, the bank concealed this part of the agreement. [From past telephone calls, people have let Tom know that in court, bank ers hate it when you ask for adequate assurance of due performance by ‘wanting assurance that the bank purchased the note from you and did ‘not deposit the note. IF they did, they were violating the GAAP matching principle requiring the new liability to show that the bank owes the de- ppositor (you) money for depositing the note. I forgot to mention, per the banking law, if the bank deposits the note, they must give you a deposit receipt (See 12 USCA See 1813). Did they give you one? History shows that in court, bankers hate it if you claim there is no bona fide signatore ‘om the note, thatthe note is forged, the note was stolen and the value of the stolen property was retumed as loan breaching the agreement. Bank= cers knew that the stolen property funded the alleged loan. Any one in the banking industry buying the note knew what the agreement said and ‘what the bookkeeping entries were. They knew and now they want to pretend that they do not know what you are talking about, The bank violated the banking law GAAP (GAAP is only required if there is @ CPA audit opinion and if the bank is FDIC insured. See United States Covle Annotated Title 12 Sec, 1831n (2) (A)). GAAPis proven by Fed- eral Reserve Bank publications, showing the bookkeeping entries and ‘confirming everything Tom has sad. The bank is in rouble if they admit to following GAAP or not following GAAP. If they do not know what the bookkeeping entries are, they cannot prove that they performed un ‘der the agreement and funded the loan to you. They have no court evi- dence to prove they performed. The bank does not want to talk about the bookkeeping entries and if the borrower funded the loan. So that is wit ‘we want to talk about. The attorney/debt collector is to know the law = GAAP -and what the agreements. State law says banks are to purchase the promissory note, They deposited the note and did not give you a 52 receipt. Per Federal Reserve Bank publication “Modem Money Mechan- ics”, page 6, the bank opened up a checking account under your naine ‘and deposited the note, Then the bank withdrew the money from your account without your knowledge, permission or authorization and re- tured it fo you 4s a loan. If they took your cash from your savings ac- count and did this, you would cal it a fraud. The economics are essen tially the same using a note instead of cash. They made an exchange of money for money and charged you as if there was a loan. They per- formed the services of a moneychanger and claimed that they were & lender, charging you 100 percent for the transaction plus interest, Thatis why nearly every American is in debt up to their heads and sinking quickly. They cannot tell you if money is cash or'a bank liability owing ‘money. Look at the law for definitions of a deposit. A deposit is an un= paid balance of money thatthe bank owes. Anegotiable instrument must. be paid in a certain sum of money, so how can the Note be money and ‘owing money at the same time? It cannot be the opposite of two defini- tions at the same time. The bank cannot explain what money is and the bookkeeping eniies but they charged! you interest for the use of bor- rowed money. They wrote the agreement; have them explain it. "The bankers’ own secret manual that is tly for the bankers, shows that the bankers hate it when people claim “fraud in the factum” (fraud in the execution). Remember the law in USC Title 5 Administrative Proce- dures Act? The nation is bankrupt so we are under administrative law ‘and that isthe law of “notices”. Remember how the IRS and the banks always give you a notice? You need to do the same. Notice them asking ‘what the terms of the agreement are - the agreement that they wrote. When they refuse (0 tell you, the theory is that you ean claim “fraud in the fuctum”. Obviously the banks fear Tom's court admissions. Admit or deny ~fore- ing them to give you “FULL DISCLOSURE”! ‘Tom has a real concer, People want immediate gratification to become debt free. People want to sue, and wait 6 to 12 months hoping to win. ‘Then people say, if I win, I will tell my friends about the bank. If they wait, we will never win the vote, The vote is more important than court. Please stay out of court and concentrate on getting hundreds of people to 53join us before taking the time to consider court, Courts risky time con. suming and costs money to hire a CPA expert witness. You could spend thousands of dollars, waste 6 to 12 months and lose if you do not do the ‘courtroom procedures correctly or if the judge i bribed. If we all eone ‘centrate on the vote, we are sure to all get out of debt. The vote isthe ‘only way to have assurance to reclaim a nation. If hundreds sue the bank, they might just change the law to keep you in debt. The vot is the solue tion, not court. When we get hundreds of CPAs and lawyers joining us, it will be easier fora judge to agree with us. The lawyers and CPAS will ‘not join until we get the voters on our side. Its all about money, profit and control of the people. ‘This manual is not suggesting that you sue the bank. This manual only. gives historical information on what has happened when people go to court. This manual gives the information on what the bankers have trouble answering in court. This manual is to show what Tom learned in the banker's secret manual to be only given out to bankers. This manual is only giving you Toms theory. This manual is not intended as legal ade 54 _ ‘Chapter 5 - Notices People have been sending out notices to the bank to create a controversy. “They want to find out whether the bank or the borrower funded the loan. \Was it the intent of the agreement that the party who funded the loan is to be repaid the loan? Did the bank follow GAAP? Was the note used as or like money to fund a check? Are the economics of the loan similar to stealing (the bank getting the note for free by depositing it), counterfeit- ing (creating new money based on the value of the note) and swindling (net following the law - GAAP)? People wait for the bank to respond or ‘not respond. They then decide what to do with the bank on a legal basis. “Whether the bank answers or does not answer helps people sue the bank. People are looking to prove fraud inthe factum. The bank never bought the note from you and breached the agreement, and breached GAAP. ‘The notices are designed to learn what happened and if the bank is hid ing the truth. {you go tthe library and look for the book published by Thomas Pol Publications called “The American Financial Directory”, it tells you the 30, president, address and the servicing agent ofthe lender. ‘Ynis manual has the typical types of notices people have sent There is nothing wrong, with leaning the truth about the real loan agreement. ‘Why would the bank want to hide the truth about the agreement that they, ‘grote - unless they are afraid of full disclosure proving fraud. ‘See how the notice says that all past payments are considered extortion payments. If you do not say this, the bank attorney will say in court that ust payments give evidence of a debt that you agreed to. Te bank tells you that if you do not make the monthly payments, they will goto court tb collect or foreclose. You had no choice. You are trying to solve the problem and the bank just says pay or else ‘The county judge is involved. Why, since banking is federal? The an- wer is that you do not own the property. You have a certificate of title for your home and car. The government owns your carand home. That is, how they get you to pay them a tax on your home and car. A foreclosure nas to do with real estate tax and the local judge is there to be sure that 55you will pay the tax. The real estate taxis one year behind in iting Fiving the local government ownership of your property. One person: paid the tax in advance. It stopped the local judge from continuing the Foreclosure, When the bank responds to your notices, share the answers with the voters. Let the voters learn how the bank procrastinates and misdirects ‘and does not tell you how the real loan agreement works If you are talking to a debt collector or an attorney, look up the court ‘case CLOMAN V. JACKSON 988 Federal Reporter, 2nd Series. Tt ex- plains that he isto tll you that he is a debt collector. We told one debt collector to give, under oath, verification and valida tion of the terms and conditions of the Toan, and explain and answer Our ‘questions. This bank attorney was told that he could be sued if he vio= Tated Fair Debt Collection Practices Act. When he would be sued, the first time the attorney commits perjury he would be disbarred. The attor- ney immediately dismissed the court case. He knew if he were sued his rafesstonal insurance would offer $20,000 to setle out of court. We rollect $20,000 for a $5,000 credit card bill. Looks like good business 10 tis: The attorney figured collecting $5,000 was not worth losing his ca reer, Would not this make a best selling book getting the attomey di tbavred? Notice them. Let them know that you know the answer to the riddle. ‘On the notices you will see the word “assigns”. People want to find ont ‘who the real holder (person holding the note) is. They like to hide, Would You st hide if you were one of them? With assign, people demand to see the original note with all of the alterations and stamps on it. WHY? Tf you pay the wrong party, you have to pay the proper party auain. You could be paying twice if you are not paying the correct party (see UCC $302), We know they sell these nots al the time. People want to soe dhe original note to see the stamps to see who itis endorsed to who holds itso that the alleged borrower isnot paying the wrong party and has (0 pay tice. The bank must show the chain of ownership. People want to fee the stamps on the note, “pay to the order of...” History shows that ‘ven peopl ask to see the original, the bank cannot find it. This sounds 56 ike the lawsuits alleging stolen, forged document and breach of agree- nent, Study UCC 3-302. People have been claiming Forgery ifthe bank. ‘cannot come up with the original. please remeber that thereisa difference berweenadebr coiete® anda tender collecting theirown debt A deb collector normally tells you that they are a debt collector in thet letter to you. tamontgage isinvolved, change the notices when wHti0g servicing eae rigage See: West publishing 12 USCA 24 CFR 350021 me OTB 2 Qualified writin request. You can write to the SS gens of the morgage giving your name, alleged ay number and & aceTpent of reasons you believe there isanerror: Discuss GANT” rmatch- ing principle. You were the lender they were the borowes ‘They repaid the loan and fatsely called it loan to you. 57‘Chapter 6 - Two Kinds of Money Article 1 Sec. 10 of the Constitution of the United States and 12 US.C, 152 refers to gold and silver coin as lawful money of the United States, ‘The law at 12 U.S.C. 152 was repealed in 1994, Now legal tender ig referred to in 31 U.S.C.A, 5103 stating, “United States coins and cur- rency ... are legal tender for all debis, public charges, taxes and dues.” ‘The government issues legal tender and lawful money. Banks use two different kinds of money. They use legal tender and non-legal tender, Money issued by the govemment and money not issued by the govern ‘ment but created by the bank. Bank credit and deposits are money the ‘bank owes. Owing money is the opposite of money. Federal Reserve Bank publications admit that when banks grant loans that new check- book money is created; new money is deposited. ‘The Federal Reserve Bank of New York publication “I Bet You ‘Thought. explains that money does not have tobe issued by the gow emment or be in any special form. The borrower's promissory note is ‘money that the bank: accepts as money and is money that the bank de- Pasits, creating a new bank asset and lability. Counterfeit money buys things just as checks buy things. Promissory notes can be sold for cash. Promissory notes just like cash, ean be exchanged for a check. Both can fund a check and both the cash and the promissory note have equal valve, ‘The cash is legal tender andthe promissory note is newly created bank: ‘money when the bank deposits the promissory note creating & new bank asset and liability. The bank got your money (promissory note) fr free, created new money as they deposited your money, and violated GAAP ‘hen they refused to credit your checking account and acknowledge the new deposit and liability that they are required to show that they owe you per GAAP. When this happened, the bank shifted your wealth tothe bank. The bank got your wealth for free. Wealth is anything that you can sell. You can sell your home, car, god, silver and your 40 hours a week for a payroll check. Labor produces roads, food and gas for your ca. ‘When the banker violates GAAP and gets your money for free and re- tums tto yous a loan, the bank created new money with the economics similar to stealing, counterfeiting and swindling. The banker gets your labor for free as you eara the money to repay the loan or he forecloses and gets your home, car or farm for free 58 Pretend a counterfeiter created $100,000 of counterfeit money and lent itto you to buy your home. You have to repay the $100,000 plus another ‘$300,000 of interest over the next 30 years. Pretend that the counter~ feiter did this to every American and the only money in the country is the money that this counterfeiter printed. The counterfeiter created $100,000 of money but you have to repay him $400,000 to repay the loan, If$100,000is the only money printed, itis impossible for $100,000 to repay the required $400,000 to end the loan. The counterfeiter con- trols the money supply. The counterfeter can get nearly all the money back as loan payments, keep the money in a shoe box and there is no ‘money available to repay the loan forcing everyone into foreclosure. ‘The counterfeiter gets your labor for free or he forecloses and gets your property for free. He controls the money supply and at his wish he can force the economy into a recession or depression, forcing people into foreclosure. He always wins and you always lose. If the government printed the money, spent it, everyone had to work to eam it and depos- ited the money at banks, banks lent it out returning the money to the ‘depositor who funded the loan, everyone would have equal protection with no economics similar to stealing, counterfeiting and swindling. GAAP that the law requires the bankers to follow ends the economics similar to stealing, counterfeiting and swindling. If a counterfeiter counterfeits money and loans it out to you, can the ‘counterfeiter force you to repay the loan? NO. Its illegal and he eannot enforce an illegal act. If someone stole your money and returned your money to you as a loan, do you have to repay the loan? NO. The thief cannot enforce an illegal act. A Corporation cannot violate the law, con- tracts or GAAP. If they do, the contract is ultra vires - void ‘The counterfeiter will say, “But you got the money.” You respond and say, “You violated the agreement and did something illegal.” If someone stole your car and sold it for cash and retumed the cash to you as a loan, {do you have any ethical or moral or legal liability to repay the loan? NO. None. What is the difference if they stole your promissory note instead ofa car? In both cases they got your wealth for free. Itis just easier to get ‘your wealth for free by getting your promissory note for free instead of ‘your car for free. A suit and tie fools people. If they used a gun to get your wealth for free, you would know to call the police: 59‘The banker is too intelligent to go to jail by counterfeiting cash. Tt is easier to just deposit the promissory note and violate GAAP and get the benefit of geting your promissory note for free and creating new money, getting a similar benefit like counterfeiting without going to jail. ‘Tom believes tha all borrowers should repay all lenders. You were first the lender to the bank, per GAAP and per Federal Reserve Bank publica- tions, when the bank changed the agreement and deposited your promis soty note. The oan to the bank funded the loan back to you. Two loans were exchanged. If both borrowers repay both lenders, all loans are can celed giving both partes equal protection, Do you see why the banker ‘cannot explain the details of the transaction or agreement? The banker cannot explain GAAP or what money is. The banker must use bank to- ens (a substitute ~a bank liability owing money) for money called check- book money to get your wealth for free. The bank acted as a moneychanger exchanging yout money (promissory note) for bank to- kkens (checkbook money) which is transferred by checks which fools ‘most people. Your promissory note gave value to the bank tokens that the banker retuned to you as &loan. A token isan IOU just as a bank liability (checkbook money) is an TOU. If you go to a casino and they ‘eXchange your $100 of cash for an equal amount in value of tokens, did the casino loan you anything? NO. So if the bank did exactly what the casino just did, then the bank lent you nothing. An exchange is not a Joan. Tom believes that they breached the agreement. They changed the ‘cost and risk of the alleged loan, Chapter 7 - Credit Cards Al we want is to understand the agreement, bookkeeping entries, know if they followed GAAP (Generally Accepted Accounting Principles - standard bookkeeping entries) and if the economics of the alleged loan is similar to stealing, counterfeiting and swindling if we are to repay the loan. If they have nothing to hide, let them give the details. They wrote the agreement, they used their bookkeeping entries, they claim we owe them money, they claim there is an agreement, so have them explain and give the details, ‘You signed an application with the credit eard company. They claim that this is the agreement. Typically, they copy it and destroy the original. If they sel it to a debt collector, the BULK sale stops them from being 2 “holder in due course”, which helps you. Study this atthe law ibray. ‘They can change the agreement at any time simply by telling you what the changes ae. Hundreds of people have gotten out of credit card loans inthe past. The creditcard companies ot tired of the lawsuits with ures so they changed the rules. Now they want an arbitrator, paid by the credit card company, to pass judgment against you or you have fo goto astate court 1,000 miles from your home. If there is no valid agreement, then no agreeinent can demand arbitration or jurisdiction in another state ‘The key to topping the bank arbitrators this website: ‘ww warbitration-forum.com (Then delete the dash and look a this website. Itexposes the arbitrators.) Deception is the name of the game. They will not reveal all the tems and conditions, only the pat that you must repay. They conceal the deposit of the agreement, new money creation, GAAP and if you fund the loan to yourself, People begin writing notices to inquire about the agreement. Some people invoice the creditcard company for payment ofthe deposit and for concealing the agreement, demanding details. Some people believe itis easier to go to court to collect on an invoice rather than directly go against the agreement. Notices are very important, especially the default notice. When they do not respond tothe notice, some people send a default notice saying, because they did not disagree with the past notice sent, they agreed with the statements in the past notice. Typically, people give them 10 to 30 days to respond, Courts are administrative 61courts and notices ean be evidence. One banker took a person to court and the banker's vietim told the judge, “I have not exhausted my administrative remedies”. The judge made a comment that he was the only person in his cour for the lst 20 year that understood administrative procedures and gave him 6 months to send out his notices before court proceeded. One victim was constantly taken advantage of in bankruptcy court, He sent his notices and kept sending the notices ll the way up the goverumental agencies (if itis a banking dispute, send it up t0 the governmental agencies that govern banking), even up tothe Treasury. ‘The Treasury intervened, “let the judge and bank atiomey have i”, and corrected the problem. You have to help the governmental agencies and employees help you by using the law. We truly have a wonderful government. We need to follow the laws so we can get the help. Then we use the vote to replace the govemment employees working for the bankers and working against us. Always be willing to pay if they can explain the agreement and ar will- ing to return the unaltered, original agreement when you pay the money. One person in court kept offering, through the mail, to repay the loan in the same specie of money/credit tha the bank used to fund the loan thus ‘ending all interest and lens (ie, another note payable in the same specie ‘ofmoney or ereditthe bank used to fund the loan per GAAP, thus ending allintetest and liens). We simply asked the bank to signa simple affida- vit that they lent their money to purchase the loan agreement from the alleged borrower; that they followed the law of GAAP and did not ac- ‘cept moneyferedit from the alleged borrower inthe loan transaction that funded a loan or similar instrument in approximately the amount of the alleged loan; thatthe economics of the loan were not similar to stealing, counterfeiting and swindling; and thatthe intent of the agreements that the party who funded the loan isto be repaid the money. The alleged borrower kept telling the judge, "twill pay, just have the atiomey sign aifidavit and I will pay”. The judge kept saying, “Sign the bloody affidavit and get paid and get out of my courtroom”. The bank attorney kept saying, “Bur judge, you do not understand... Leannot sign it”. Ihe is debt collector, look up verification, validation, inthe Fair Debt Col- lection Practices Actin the dictionary and find what it says under oath affidavit. We want details of the agreement. Now get the attorney ethies {rom your state and gt the atomey’s oath of office. Research state laws 62 and the attorney might not be legally licensed w go afer you inthe frst place. They cannot go afer you without valid agreement and if tis an attomey hisher ethics say that they must understand all the details ofthe ‘agreement. They fail at this point. How can they take you to court if you are willing to pay? You just want details of the agreement and for them to follow the law and GAAP before tendering payment. The bankers’ ‘own seeret manual, the manval that only bankers are to have, that Tom has read, says "Fraud inthe Factum” isa real defense. Tat is what the bankers fear. Remember - debt collectors are using hearsay evidence and you cannot use hearsay evidence in court unless you are an expest witness, We wel- comme their expert witness. We have 600 questions for them. Let them pot it on the public record. T do not think they are that foolish ‘From historical information, Tom has learned that if one claims that the agreement is stolen, forged and that one did ot sign the standard agree ment, then the banker has a problem. Under the rules of evidence, the banker has dficulty proving a standard agreement applies, especially ‘when one claims thatthe agreement signed says it must follow GAAP. ‘The intent of the agreement is thatthe one who funded the loan is to be repaid the money and thatthe borrower provided no moneyleedit or thing of value to fund a check or similar instrument in approximately the amount ofthe loan, ‘The bank then uses their money to purchase the agreement from you. How can they clsim that this i not part of the agreement? People presume the creditcard company follows the aw - GAAP-and the CPA GAAP aut says to loans were exchanged. Is not the one who funded the loan to be repaid the money? If nt, isi con- version of funds o theft? How can they legally take you to couet if you hhave been willing to pay as soon as they can explin the agreement? ‘How can there be an agreement if they refuse to explain it? They know that they acted merely asa moneychanger and tried to make you believe they were lenders charging you as if there was « loan. If you go to an international airport and change U.S. Dollars for Japanese Yen, you pay cone percent fe to the moneychange, not 100 percent pls interest For example: Both patties sign an agreement for you to sell your apples for $100 cash. ‘The agreement says you cannot use a court to enforce the 63‘agreement, and instead, you must use an arbitrator. They get your Signa- ture and they get your apples, but then they refuse to give you the cash, ‘and instead, they give you an TOU that they refuse to pay. They breached the agreement. They did not give you the agreed consideration, so how ccan they enforce the agreement demanding arbitration’ ‘Suidy the Rules of Evidence. Rules of Evidence do not allow them to {just say this i the total owed. The law allows anyone to demand to see the specific items charged and total bookkeeping entries regarding their agreement. History shows that if you owe little money, it might not be worth while for the banker to sue you and collect. The more you owe, they more likely they will come after you. They know you are broke with no money. to hire an expert witness CPA. They know you do not have the time and money to fight them. They figure that the bank attomey understands courtroom procedures and you do not. That is the strategy they use. This is why Tom says we must use the vote to get everyone debt free. ‘Toon estimates that in the last few years, thousands of his students have had credit card balances zeroed out by learning these secrets. Credit card companies have tied to reverse this trend by changing the agree- ‘ments to arbitration. It appears that mortgages will be the next type of Joans that the bankers will not fight and release debts. Tom has repeat~ ely told people that if the banker offers to cancel half the debt with am agreement that you will not disclose to anyone that he eanceled half the debt, tke the deal. Many people have called Ton saying that the bank offered to cancel half the debt if they sign a bank agreement of confiden- tiaity not to talk or disclose to anyone that the bank agreed to eancel the debt. Just take the deal. The bankers fear that you will takand the next day everyone will demand the same deal. Go to worwesee. gov and put in the name of the bankk. You will see how they bundled the credit card agreements as a bulk sale. The credit card company is merely a servicing agent. So who owns the contract? How ‘can anyone sue you if they do not legally own the agreement? Chapter 8 - Credit Card Bookkeeping Entries ‘This chapter was written by Todd Swanson, CPA would like to briefly discuss the bookkeeping entries that occur when a ‘person makes a purchase by credit card. Tam assuming thatthe reader has already read Tom Schaut"s frst two books or has a basic understanding of accounting principles. If not, [highly recommend reading them. This past summer when Tom Schauf was taking the annual Continuing Profes- sional Education courses that all CPAs are tequired wo take, he asked those in the classroom if anyone knew anything about banks. A couple people spoke up and ‘Tom ended up talking with two American Express CPAS ‘and a Senior Bank CPA VISA Auditor. Tom told them he was curious as tohow the “loan” process worked with the credit cards. Twill present the information exactly as the auditors gave it to Tom. ‘The following journal entries are recorded on the books of American Express: 1 Account Receivable $100 ‘Vendor Payable $100 ‘To record purchase made by cardholder 2.Cash $100 ‘Account Receivable $100 ‘To record payment by cardholder 3.Nendor Payable $100 Cash $100 ‘To record payment to merchant ‘The following journal entry is recorded on the books of VISA when a person makes a purchase with their VISA card: 1 Receivable from VISA cardholder $1000 Due toffrom VISA ‘To record purchase made by cardholder 31000 "The following journal entry is recorded at the merchant bank: 65| Due to/from VISA $1000 Demand Deposit Account $1000 ‘To record deposit of VISA transaction ‘Think of the above journal entries like this. They are like making a de- posit. The transaction receipt (slip of paper) you sign when you make a purchase with a ctedit card is taken (either physically or by Electronic File Transfer, EFT for short) to the merchant's bank and deposited into the merchant's account. At that point the merchant has been paid. The only question now is where does the money that VISA transfers to the ‘merchant bank come from? This is the crucial question. The answer de- termines in my mind whether the cardholder actually owes VISA any- thing of value. Whose Demand Deposit Account was debited atthe VISA bank? Which VISA banking customer no longer has the use ofthe money that was just transferred to the merchant's Demand Deposit Account? Ifa ‘VISA customer has lost the use of the money transferred to the merchants account then the VISA cardholder has a liability to pay the VISA bank banking customer back the money. But, if VISA simply debited and cred- ited asset accounts to pay the merchant bank then the credit to a VISA asset is offset with a debit to a merchant bank asset. The credit and debit ‘wash and we ate left with a new asset and a new matching liability ‘We challenge VISA and American Express to prove iff a bank records a ‘new asset from the alleged loan transaction that no new money/credit has been created. We are not saying this is how the transactions are done. We are simply saying that so far no one has stepped forward with the infor- mation and documentation to prove us wrong. It is my belief that when ‘questions are not answered, requested documentation is not produced and production of something as simple as a bookkeeping journal entry is de- nied, then someone has something to hide. Clearly, when one has the truth on their side, they step forward imto the light with that truth, Prof. Carroll Quigley's Tragedy and Hope on page 48 admits that new ‘money was created by a new bank asset and liability, Tom Schauf asks, did the money for the loan come from the borrower or from the bank? ‘The bookkeeping entries prove that the money eame from the borrower. Chapter 9- Debt Collectors ‘Typically debt collectors will tell you someplace in the written notice that they are debt collectors, though they may occasionally try to pretend that they are not debt collectors. The Fair Debt Collection Practices Act (FDCPA) only applies to Debt Collectors. Heintz v. Jenkins, 514 U.S. 291, 115 S. Ct, 1489, 131 L.Ed.2d 395 (1995) explains how the United States Supreme Court has ruled that attomeys who regularly engage in the activity of collecting consumer debt fall within the definition of 2 debt collector under FDCPA. ‘Study state court procedures. The witness filing the complaint, or fore- losing on your home, or collecting on a creditcard, must have personal ‘Knowledge to file an affidavit or complaint and win in court, Ifthe bank Witness only sees a copy of the loan agreement, the copy can be alleged 8 hearsay evidence which cannot be entered into court. Banks can use the U.C.C. to claim that they can use a copy. The other party can claim that the copy is a “cut and paste” with parts missing or is a forgery. A competent witness must have personal knowledge and a copy is heresay. If they only have a copy and not an original, unaltered loan agreement, then they have no personal knowledge with which to answer our ques. tions as to what the terms and conditions of the agreement are, and cannot explain the agreement. A court has no jurisdiction without a competent witness. Now you see why the bankers have tried to foreclose without going to court and use arbitration to get around the law. They know that they havea weakness, You have personal knowledge as to what was signed, ‘The banker, who bought the agreement from someone else, does not. If ‘you argue the agreement, they have a problem, Historically, ifyou pay the cour the monthly payments, or have the debt Paid up to date so the bank cannot foreclose, and sue the bank: for breach, not fraud, they must now explain the agreement, T you, adlitionaly, ar {ue the agreement (including the Sor 6 things inthe notices as par ofthe agreement) -and you can repay inthe same specie of money or they must repay the party who funded the loan - you ~and the bank did the opposite ofthe agreement ~ changed the cost and isk o7~and attach the CPA report, {he bank may not answer the lawsuit or may ask to sete per history Experience has shown us that you want to put the bank president, o a countant On the witnss stand, or depose them. They will fight to top snd only supply bank teller to testify. The bank teller will say that they do not know the law or bookkeeping and claim that they re nota lawyer and cannot explain the agreement. They will say you got a loan. Histod- ‘ally the alleged borrower typically wants to know ifthe Sor6 thingsare Part of the agreement or not. Who funded the loan, Borrower or lender? ‘The following isan important court case about requiring the deb collec- {oro give verification before the attorney can collect in court: U.S. Bank. ‘uptey Cour, S.D, Florida, Pablo Martinez, debtor, plaintiff. v, Law Of. fees of David J. tem P.A., Defendant Bankruptcy No. 99-42274. BKC. RAM. May 30, 2001. The plaintiff won this court case an this informa tion is very important to win against attorneys, and when filing wea against the bank or bank atorney. ma Zhe Supremacy Clause is important. State law is void if it conflicts with Federal law: Supreme Court of U.S. James Edgar, appellant v. Mite Cor oration and Mite Holdings, Inc. No 80-1188. Argued Nov. 30, 198] Decided Tone 23, 1982. See Chicago and North Westem Transportation Company v. Kalo Brick and Tile Company 450 US 311, See State of Maryland etal, v. State of Louisiana 451 US 725, 68 Chapter 10 - Doubling Money Bankers, politicians, judges, CPAs and attorneys know the secret. Money ives you power. Computer-generated buying and selling signals for stocks have generated 50 to 100 percent profits per year. Call Tndigo, ‘Micro Star 800-315-5635. Foreclosures can be profitable. Many times, people that are in foreclosure have substantial equity and if you help save the property, the owner agrees to sell it and split the equity with you. This helps them save the property and you get a very large return. As you build up capital, you have more money to save more people. ‘Some people trade currency. If done correctly, it can be very profitable. Many of the politicians make 100 percent profit a year doing this. Some get 100 percent a month, Some investors even get about 100 percent or ‘more a week. Tom believes in not suing the bank and using your time and money 1 get a local investment club t© pool your resources and time and concentrate on using the banking system to your advantage in getting very good returns. Another great source is the Investor’s Business Daily, www:investors.com 310-448-6150. Omega 888-279-8101 is also valuable. Trade Station hhas great stock buy-sell indicators. The phone number is 1-800-805-9488 and the website is at www:tradestation.com. Call (866) 455-3863 for Fund X or visit www-fundxfund.com. They have averaged about 20 percent a year. This might help your IRA. Indigo’s software helps you to buy or sell stocks and make money if the stock market goes up or down, Omega uses slow stochastics to tell you if stockis over-bought or over-sold using 200-day averages with support and resistance lines, Look at wwww.channelingstocks.com for stocks that historically keep hitting the same support and resistance price levels. For example, astock 's “channeling” when it repeats a pattern of going from a $10 support level to a $15 resistance level, and then back to $10, and then back to S15, and keeps repeating a similar patter. The website tells you when 69to buy and sell certain stocks, sesulting in nice profits. Results ean be 50 to 100 percent or more a year. If you start with $5000 and double it every year in 7 years it becomes one million dotlars. No one can guar antee profits; we ean only show you the possibilities Currency trading is 24 hours a day starting Sunday night ending Friday. at3 PM. Faster time. Typically the currency (¥en, Euro) moves at 9 AM, Eastern time plus or minus 3 hours and again at 6 PM. Bastern time plus of minus 3 hours and again in the middle of the nigh. Typi- cally, one trades in blocks of about $1,000 which is called a “lot”. LF you make a mistake, you ean lose $200 or $300 on the $1,000 investment ‘depending where you put your “stop”. The typical trade lasts between 30 ‘minutes to 8 hours. In 2001, most weeks had one or more trades of 50 t0 100 percent profit. If you do it correctly. you can make substantial prof its. Currency trading takes time, work, education and experierce with patience waiting forthe right time to trade, You would have a currency broker like people have their stockbroker. There are classes that teach currency trading. All classes require you to sign an agreement of confi- dentiality. People have taken several ofthese very expensive classes and did not think they offered much. The best information on currercy trad- {ng comes from the traders themselves and the indicators that they use Computer-generated indicators tell the trader which direction the cur- rency is moving. A currency trier may wait for several hours for the indicators to line up before trading. There are expensive emails that tll ‘you when to buy and sell. Traders have found that the indicators work fa better than any email. The indicators can tell you within 10 minutes ‘0r 30 minutes when to trade. The email publications are far less accurate and you could miss the rade by hours by relying on the email, For the serious players, currency trading is definitely something one should con- sider. Currency indicators/values can fell you in advance what wil hap- pen in the stock markets. Currency indicators in March, 2002 showed that traders would begin selling US dollars, forcing the US stock market oven for the next several months. Tom Schauf accurately predicted this stock market decline in advance. If you trade stocks, you need to know and understand currency. Bankers and politicians make substantial profits with currency trading, Instead of fighting the bankers in a biased eourt, why not join them in 70 making huge profits? Why swim up stream fighting them in court? It is easier to swim down stream, and use the vote and sound investments to ‘gain the upper hand. Do itthe easy way, not the hard way. You would do far better spending the time to change things using the vote and putting ‘money in your pocket through investments than spend time and money zing to court, Would you be better off going to court or learning to get ‘50 percent returns in a short time? aChapter 11 - Changing the System People fail because they do not do their homework; they are lazy. You need to look up all these words in the law dictionary. Look up the fol- lowing words: holder in due course, interest, borrower, offer, agreement, ‘contract, fraud and the other wordsiin this manual and Tom's book. Study the banking laws. People lose because they use the wrong arguments or do not get the court handbook for court procedures. Investments take work as well. If itis worthwhile, it takes work. ¥outamot expect he judg, vir or sei chang te aww less you do your job and join us to get the voter awakened to the truth at asking. Why hl the government get wing oon taking al hat wie money fom de unas jt ca you sch ron? They wll nt opel he ween vette ace Weeamor ibn remain in aici ito bering canons them ever gin I hy ayn fic, can be ed Ahn oak avay or gh dot wei Thy alkenyl ham wl by he ep he she weal ee wot pase. They lw now th or vor ear ong. You est sng fr be cae serena #2 Bane is YouTose They setup asst oop ou nde ge your eh teeanto keepbebankerinpoverinagreamen ane adhag, WEMUST CHANGE THESYSTEM FROM THAT WHICHHAS EN: SLAVEDUS, BACK TO THE CONSTITUTION THATOURFOUND- INGFATHERS INTENDED FOR US. WITHLEQUAL PROTECTIONS LIBERTIES AND FREEDOMS FOR ALL. WITH NO NATIONAL IDENTIFICATION NUMBER TO ENSLAVE AMERICANS Chapter 12 - Ultimate Fear of Bankers ‘The banker can only say that there is an agreement and that you owe ‘money. The banker cannot show you the original promissory note after it ‘was aitered. The banker fears that the borrower might claim that the ‘agreement says thatthe borrower can repay using another JOU promis- sory note payuble in the same specie of money, money equivalent or credit or funds or capital that the bank or financial institution used per GAAP to fund the loan, thus ending all interest and liens. This would allow the borrower to discharge the loan, and all interest and liens. ‘The banker knows that if this is claimed, then you could repay not with ceash or a check, but with a promissory note also payable in the same specie of money the bank used to fund the loan, per GAAP, thus ending all interest and liens. Ifthe banker insists that you pay the note, you ask the banker to sign the back of the note, and you replace it with another note. “The bunker fears that you will claim thatthe original contract was al- tered and sioien and that there was an addition tothe agreement withthe following items: 1) The intent of the agreement is thatthe original party who funded the alleged loan per the bookkeeping entries is to be repaid the money, 2) The bank oF financial institution involved in the alleged Joan will follow GAAP, 3) the lender or financial institution involved in the alleged loan will purchase the promissory note from the bocrower, 4) ‘The borrower does not provide any money, money equivalent, credit funds or capital or thing of value that a bank or financial institution will use to give value o a check or similar instrument, 5) the hortower isto repay the loan in the same specie of money or credit that the bank or financial institution used to fund the loan per GAAP, thus ending all ingerest and liens, and 6) the written agreement gives full disclosure of all matesial fats. Do you see the banker's fear? If the banker claims item number 1 is, false, then itis a swindle. Tf item number 2 is false, then itis illegal. If item number 3 and 4 is false, the bank invested nothing, it was stolen or paidnothing forit and you funded the loan. If number 5 is false, then the bank admits itis only a moneychanger and charged as if there was a 73.oan, If number 6s false, thea they agree that they concealed mates) teams ow can the bank claim that these items are not par of he = fae the banker knows tat if tis is claimed, the Banker must sow the original note. Ifthe banker claims that he only has & cOPs, the bor ier ould claim thatthe additional part of the agreement is miSSUE rontems 110 6, Now one is only aging the agreement not the bank dng system. The banker must discuss GAAP and bookeep entries ine tems 1 to 6 are the lasting thatthe banker wants talk about Image the banker's fear if the borrower sent a promissory Ne 8A pay the loan, claiming thatthe agreement allows it [mais sendingina oe rorepay the mortgage‘o be aplied othe last note you sent. Image the potential lawsuit for the banker breaching the agreeres! and the tanker cannot claim tat items 1 to 6 re not part of the aBreement ‘The borrower says, “How can I claim this?” The bank is incorporated, and elainns that they follow the law ~ GAAP with full disclose i their iereements and without false and misleading advertise: ‘They claim that they lend you their money - how can they claim differently? Bankers fear that they wil have toexplsin the agreement, GAAP and viv funded the loan. The banker wants you to argue the banking 5 vein, which means you will lose in court. They do not want you to claim reach of agreement and claim items 1 to 6 are part ofthe ngreem='t and they would ave to claim items 1 to 6 are not part of the agreement Bees understand that if they refuse 1 show the original AEFe=ent tra porrower may claim thatthe copy is forged because it eaves ot ate 1 to 6, Bankers fear that borrowers may say “fad in he factum”, ‘clniming that the items 1 t0 6 are concealed oF there is 8 forged docu- sent leaving the items out. Who cazes who funded the Ioan? You Besa it changes the cost and risk ofthe Loan. I shere is nating weink: ean ling and counterfeiting, then why dowe send those Kind of people to jail? ‘After you send all she notices, ask for a closing starement fo discharge the debt, Then offer to discharge the debt with cash or same SPs of money as discussed eae, providing that the bank returns he original, srerfeed note at time of payment. They will refuse, This allows you to sue, This has led to many wins. 7 Chapter 13 - The Threat to the Economy Historically, when the stock market falls to ha its level, many people stop spending anda recession or depression follows. Today people at vrvameat records of high debt. As of January 2002 over 6 percent of treat eand holders cannot pay the debt. The Federal Reserve Bank has toon repeatedly cuting intrest aes, They ean only cut so much before increasing interest rates. So far, we only discussed the traditional Poon ia pus created by today’s banking system. The new recession oF de- pression could be both spouses working and not having the mousy pay the bills with most households having litle or no savings and huge debis. People increase spending until age 45.Afer age 45 spending drops: he bell.curve of 45 year olds says that US consumer consumption will drop Of significantly in two to five year, creating a recession. Don't feet the Sevial Security problem of more and more older people and fewer tind fewer younger people. The Eliott Waves have five legs: We afe on the last legs, indicating a coming recession or depression. The Eliot ‘Waves have been very reliable over the last 300 years. For details, buy the book Conquer the Crash by Robest Prechter. ‘As of Sept. 11,2001, we have to consider anew ealulation in deterin- ing the future economy. Investors Business Dally, Jan, 25, 2002, page ‘ADO, discussed how terror could destzoy the U.S. economy. The news: paper discussed what happens if a mass destruction weapon oF ‘iologi- aT weapon was put ito a shipping contsner. About 90 percent ofthe 19), does that mean that the credit card company owes the Borrower for the deposits ‘made in connection with creditcard loan transactions? [Emphasis added) ‘When granting loans, ifthe creditcard company’s Hablities did not increase, would the bank be in violation of the Federal Reserve ‘Bank’s policies and procedures? (Federal Reserve Bank of Chi- ‘cago, Modem Money Mechanics, p, 6, and Two Faces of Debt. pp 1719) 12324. 25, 2. Ifthe creditcard company does not repay “adeposit created through, ending”, would it be in violation of the Federal Reserve Bank's Policies and procedures? (Federal Reserve Bank of Chicago, Mod- em Money Mechanics, p. 6, and Two Faces of Debt, pp 17-19) . When a loan is not repaid, isthe one who funded the loan damaged? ‘When the credit card company does not repay, upon demand, the deposit made by the Borrower, does it show that the policy and in- tent of the credit card company is to deny equal protection of the agreement, law, and credit to the Borrower? ‘When the credit card company does not reveal the substance of the ‘transaction in the loan agreement tothe Borrower, does it show that the policy and intent of the credit card company is to deny full dis closure of the terms of the loan agreement to the Borrower? Do the Generally Accepted Accounting Principles (GAAP), the Generally Accepted Auditing Standards (GAAS), the Audit Reports, the Auditor’s Working Papers, the Call Reports, and the eredit card company’s financial statements (that are related to and associated ‘with the loan transaction) reveal the substance of the loan agree ment? If the substance of the alleged loan agreement does not match the ‘written form of the agreement, does it significantly change the cost and the risk of the written agreement? Is full disclosure of material facts essential to a valid contract in ‘order to have a mutual agreement? 124 30. aL 22 33 44 35, In your opinion, is it material or important to know which party isto fund the foan in order to know who is damaged if the loan is not repaid’? In your opinion, do you believe the Borrower intended to provide the consideration to fund the credit card loan? {fthe credit card company did not risk any of its assets at any time ‘regarding the written agreement, was this material fact ever disclosed to the Borrower? In your opinion, if “An unconscionable bargain or contract is one ‘which no mam in his senses, not under delusion, would make, on the ‘one hand and which no fair and honest man would accept on the other..[Itis) usually held tobe void as against public policy.” (Blacks Law Dictionary, 6th Edition), would a loan agreement thet takes the Borrowers assets as the funding for a loan back to the Borrower, then requires thatthe Borrower pay back that loan with interest a ‘hire party, and then does not require the repayment ofthe Borrower's funds back to the Borrower, be an azreement that is unconscionable? According to your understanding of the alleged agreement, ifthe Borrower was to provide the funds for the loans for the credit card account, would the alleged agreement, in your opinion, be uncon- scionable as defined in Blacks Law Dictionary? In your opinion, if a signature is “the act of putting one’s name at the end of an instrument to attest (0 its validity” (Blacks Law Dic- tionary, 6th Edition), then could that signature be valid ifthe instru- ‘ment itself is an unconscionable bargain or contract? Did the credit card company actually gain title to any debt instru- ‘ment (credit card slip) that the Borrower signed and gave to the merchant for the merchandise received? 125,36. Do youhave personal knowledge thatthe credit card company pro- vided ‘full disclosure’ of all of the terms of the agreement? 37. Do you have personal knowledge thatthe credit card company dis- closed t0 the Borrower the requirements of Federal Reserve Poli- cies and Procedures and the Generally Accepted Accounting Prin- ciples (GASP) imposed upon all Federally-insured (FDIC) banks by Title 12 of the United States Code, section 1831(n) @), that prohibit them from lending their own money from their own assets ‘or from other depositors? Was it disclosed where the money forthe alleged loan was coming from? 38. Do you have personal knowledge that the credit card company dis- closed that the contract the Borrower signed (the promissory note) ‘as going to be converted into a ‘negotiable instrument’, by the ‘redit card company and become an asset on the credit card ‘company’s accounting books? Did the credit card company dis- close this information tothe Borrower including thatthe signature on that note made it ‘money’, according tothe Uniform Commer- ial Code (UCC), sections 1-201(24) and 3-104? 39. Do you have personal knowledge that the credit card company dis- closed that the Borrower's contract or promissory note (money) Would be taken and recorded as an asset ofthe credit card company Without ‘valuable consideration’ given to obtain the note? 40, Do you have personal knowledge that the credit card company gave the Borrower a deposit sip as a receipt for the money the Borrower save them, just as a bank would normally provide when making 1 deposit to bank? 41,_ Since, pursuant to UCC 3-308, the burden of proof is on the party claiming under the signature, do you have personal knowledge of the validity of the signature on the alleged agreement if it is denied. 126 the lawsuit pleadings based upon answers t0 above a 42,_ ‘Since, pursuant to UCC 3-602(b)2), the obligation of party to pay an instrumentis NOT clischarged ifthe person making te mr ‘ment knows that the instrument is stolen, do you have personal knowledge that the instrument is or is NOT stolen? should be aware that sending unsubstantiated demands for payment aa e mail fraud under ‘hugh tbe United Sixes mails night consin ; Teal ad ste ov. You may sh oso wih compen seca wih avo fe your next omnia over ex opi within 30 yo ss eget vith epee of te Flr Debt Callecton Paces Ast ill sai f claims against me ecard yor atolue waiver of anya al cine a8 maa your ciapeenaoconpnste fr san pl Sincerely, John Doe x ctiees Act enclosures: The Fair Debt Collection Practices Act, a ve eaiaon defiinin Blacks Law Deon, ith on “Unconscionable” definition in Black's Law Dietionary, Sixth Esition - Federal Reserve Bank off Chicago, Modem Money Mechanics p. Federal Reserve Bank of Chicago, Twvo Faces of Debt. pp. 17 819 127Non-Negotiable NOTICE OF ALLEGED LOAN DISPUTE From: _1. Ben Robbed, hereinafter “Borrower” To: XYZ Credit Card Company, hereinafter “Alleged Lender” Date: Fri, Feb 15, 2002 RE: Alleged credit card account and balance Notice to the principal is notice to the agent and notice to the agent is notice to the principal. 1. 1. Ben Robbed, hereby give Notice of Alleged Loan Dispute to the Alleged Lender. Alleged lender advertised to me that they would lend me their money if ‘agreed to repay their loan, The alleged Tender advertised to me that they had money deposited that they would lend the deposited money to borrowers, and that borrowers must repay the money so that the money can be retumed to the depositors who funded the loan. Now Thave evi- dence from the bookkeeping entries per GAAP, thatthe alleged lender did the opposite of what they claimed they had done, creating econom- ics similar to stealing, counterfeiting and swindling, ‘There are two totally different kinds of loans. ‘The first example gives ‘equal protection and the one who funded the loan is to be repaid the money, Example number one: If Toe deposits $100 atthe bank, the bank Tends Joe’s $100 to Mike. Mike repays the bank the $100 and the bank returns the $100 to Joe. ‘The second example is quite different. In the second example the bank claims that they will fend Joe $100. Through concealment, the bank steals $100 from Joe, deposits the $100 and re- 128 turns the stolen $100 to Joe as a bank loan. ‘This has the economics simular to stealing, counterfeiting and swindling, totally changing the Cost and risk of the alleged loan. In both cases the banker declares that Joe received $100 loan. All Borrower asks is thatthe one who funded the loan is to be repaid the money. In example number one, the bank funded the Ioan, In example number two, Joe funded the loan. When the bank conceals the bokeping entries andthe eonomics ar iia 10 stealing, counterfeiting and swindling, Joe lost $100 of wealth and the bank gained $100 of wealth before Joe ever received the alleged $100 bank foan. Under example number two, the bankers would end up own- ing nearly everything in America and force the average American into ‘more and more debt every time the bank stole the money and returned the stolen money a8 aloan. If there is an agreement, then there ist be ‘mutual understanding and consideration, money paid, to buy Joe's prom- issory note. When the bank stole Joe’s $100, the bank never paid one Cent forthe stolen money and the theft was concealed and never agreed to by Joe, The bank told me that they operated under example number ‘one but the bookkeeping entries now show that the bank operates under ‘example number two of which I never agreed too. |Lam defining the word theft or stealing as the lender obtaining the borrower’ promissory note without paying one cent as consideration to buy the promissory note ftom the borrower or a recording the promis Soty note as a loan from the alleged borrower to the bank or alleged Tender and concealing this loan, Tain defining counterfeiting as altering the promissory note after it was allegedly signed and/or creating new tmoney or ered or bank liabilities. Lam defining svindling asthe same Or similar evonomies and or bookkeeping entries as stealing $100 from Soo and then returning the value ofthe stolen property to Joe asa loan. 1 ‘am defining money as money, money equivalent, capital, funds, nego- tiable instruments, promissory notes or anything of value that te banks use aso like money to fund checks or drafts or wire transfers or similar instruments There is a difference between money and wealth. Money is used to buy things. Wealth is things you can sell like real estate, gold, silver, cars and labor. Many Americans work 40 hours a week and sell their ime for a payroll check. If the bank/lender steals a promissory note, deposits the promissory note like new money and creates new money and returns the ‘value of the stolen money to the victim as a loan, the banker received and benefited with similar economics like or similar to stealing, counter- feiting and swindling and receiving the alleged borrower's wealth for free. The alleged borrower must work for the banker for free to repay the alleged loan or the banker forecioses and gets the property for free Tf every American stopped working and stayed home counterfeiting ‘money, like the bankers, there would be no food or gas for your car Uecaube everyone stopped working. This i why thieves and counter feiters go to jail, If the thief and counterfeiter is not stopped, the criminal would end up owning everything for free. The counterfeiter or thie! 129needs the average American to produce wealth, homes, cars, boats, a8, food so that the thief and counterfeiter can live in luxury, obtaining wealth for free without producing anything of value other than new money. If you claim that there is an agreement, then I demand to know the details (Of what you claim is the agreement, Remember, there is no agreementif there is no mutual undersianding or fraudulent concealment of material facts. I demand to know if the economics of the alleged loan agreement is similar to stealing, counterfeiting and swindling, I demand to know the bank bookkeeping entries regarding the promissory not. ‘The bookkeeping entries prove the following: The alleged lender or financial institution involved in the alleged loan accepted the alleged borrower's loan papers (promissory note) as a bank asset offset by a bank liability. The financial instivution exchanged the promissory note for credit in the borrower's transaction account. This means that the bank or alleged lender recorded the promissory note as a loan from the al- lege! borrower to the bank and the bank (alleged lender) frst became the borrower. Example: If Joe goes to the bank and deposits $100, the bank credits Joe's checking account (transaction account) for $100. This credit means that the bank recorded a bank liability account showing that the bank recorded a loan from Joe to the bank and that Joe was the Tender and that the bank was the borrower. ‘The bank agrees that Joe is the lender to the bank and that the bank is the borrower because Joe ean ‘walk up to the bank teller and get his $100 or Joe can write a check for {$100 and spend the money. This means the financial institution accepted the promissory note like money as a deposit just like banks accept cash ‘or checks like money and credit a checking account or transaction ac- count, Banks accept legal tener money called east and banks accept promissory notes like money, which is non legal tender money because promissory notes pay interest, investors will pay cash for the promissory hotes giving the promissory notes equal value to cash. According to Federai Reserve Bank publications and Generally Accepted Accounting Principles - the standard bookkeeping entries banks are required to fol- low- the promissory note was recorded as a loan from me to the alleged lender or financial institution involved inthe alleged loan. I was frst the Tender and you were fist the borrower. When you repaid the loan and returned the money to me, you claimed that the money that you returned to me was not repaying the money that you borrowed from me, but that the money you retumed to me was a Joan from you to me. [think we all ‘agree in the principle that the one who funded the loan should be repaid the money, According to the bookkeeping entries using GAAP, | was the one who provided the money or funds that created the money that you claim was lent to me. At this time you are concealing the true eco- ‘and facts of what you are claiming is a loan. The promissory rote is not proof of a loan. The bookkeeping entries will prove who loaned what to whom. If you claim that you did not follow GAAP, then the management ofthe financial institution issuing the CPA audit report claiming that they followed GAAP will, by law, be committing a fraud. Thave every reason to believe the CPA audit report and that they fol- 130 lowed GAAP. If you claim that tere is an agreement and a Yoan, then ‘you must stop concealing material facts, answer my questions, and tell Ine if the alleged promissory note was recorded as a loan from me to the original alleged lender or financial institution involved in the alleged oan or ifthe promissory note was stolen. According to my records, the promissory note was stolen or recorded as a loan from me to the original ETleged lender and that the alleged lender never paid one cent as ad- fequite consideration to purchase the promissory note from me creating ‘he economies similar to stealing, counterfeiting and swindling, Lam now demanding that you either stop concealing material facts and ‘huswer my questions if you claim that there is an agreement or that you return the stolen promissory note. If you claim that the promissory note ‘was 4 loan from me t0 you, I demand that you immediately repay the oan by returning the promissory note and stop the damage to me. If athief stole my property or wealth and exchanged the stolen goods for cash and returned the cash to me as 2 loan, the thief concealed the thett, the thief breached the agreement and I have no legal obligation to repay the alleged oan. Ifa counterfiter counterfeits money and lends me the Counlerfeied money which was used to buy my house, I have no legal Dbligation to epay the alleged debt because the alleged lender was en- gaged ina ceiminal act giving me illegal consideration and breached the Soreement. As far as Lam concemed, you breached the agreement by ding the opposite of what you advertised and agreed to, creating the ‘cconomics similar to stealing, counterfeiting and swindling, and then felused to give me specific details of the alleged agreement and con- ‘Cealed material facts. promissory note does not prove tha there was ‘Tio of te lender's money as adequate consideration to purchase the promissory note from the alleged borrower and that no theft or counter- Feiting or swindling took place Past payments ane considered extortion payments and do not raf any cer agement A this me the alleged lender as eised 0 see! onal and give deals ofthe alleged agreement and hese master ou ihe alleged lan or cancel the ien as the alleged lender Hee Ge ayment Or destres they will use legal means to collect Just so that there is no confusion, money, that is cash, is recorded as a bank asset and a bank liability and means the bank owes money. Checks are not money, checks simply transfer a bank liability ~ checking ac ‘count balance indicating money the bank owes a customer who earlier dleposited money- to another bank customer's checking account balance, ‘The bank still owes money that was earlier deposited. {am hereby oferng to discharge the alleged debt provided that ou give aes ares ta my questions reparding the alleged debt and T wil 131payoff or discharge the alleged debt using the same specie of funds or money or money equivalent that the financial institution used to fund the alleged loan check or similar instrument using Generally Accepted ‘Accounting Principles thus ending all liens and interest If you claim that there was an agreement, then explain the details of the agreement by answering the following questions or sign the enclosed. affidavit giving answers to the following questions: 1) According to the alleged loan agreement, was the alleged lender or financial institution involved in the alleged joan to lend their money as adequate consideration to purchase the promissory note lan agreement) from the alleged borrower? YES or NC 2) According to the bookkeeping entries of the financial institution in- yolved in the alleged loan, did the alleged lender or financial institution involved in the alleged loan lend their money as adequate consideration lento purchase the promissory note oun agreement fom he alleged borrower? YES or 43) According to the alleged loan agreement, was the alleged borrower to provide anything of value that a financial institution would use to give Value to a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 4) According to the bookkeeping entries of the financial institution in- ‘volved in the alleged loan, did the lender or financial institution involved in the alleged loan accept anything of value from the alleged borrower that was used to give value t0 a check or similar instrument in approxi- ‘mately the amount of the alleged loan? YES or NO. 5) Did the alleged lender and financial istttion involved in the alleged ‘oan follow generally accepted accounting principles, GAAP? YES or NO? Did the financial institution involved in the alleged loan have an audit done by a CPA with the CPA audit stating thatthe financial institu- on followed generally accepted accountng pines, (GAAP? YES ar 6) Do you have any information or evidence that the lender or financial institution involved in the alleged loan did not follow GAAP? YES or NO. 7) Was it the intent ofthe alleged loan the loan is to be repaid the money? YI sment thatthe one who funded ‘or NO, 132 8) Are the economics of the alleged loan similar to stealing, counterfeit- ing and swindling against the borrower? YES or NO? 9p Areal material facts disclosed the writen loan agreement? YES or 10) According to the alleged loan agreement, was the alleged borrower to lend the borrower's promissory note to another party such as the al- leged lender or financial institution? YES or NO, If you refuse to answer these questions with detailed specific answers, ‘we will presume that there isa concealment of material facts and thatthe promissory note has been altered and stolen and that the alleged bor- Tower provided the money thatthe alleged lender claims was lent to the alleged borrower. If you refuse to answer these questions, then please Teturn a zero balance and return the promissory note. If there is a theft dnd if an attomey answers without giving specifics to these questions, the attorney may be added to a future lawsuit. We will then have the attorney become a witness in court and explain what this agseement is all about, Remember, if there is an agreement, the attorney will have to “answer these questions in a deposition ot in court under oath, Ifthe at- ‘torney commits perjury, he or she will be disbarred. 1 further understand that if [sue an attorney. the attomey's professional insurance will auto- ‘matically offer between $10,000 t0 $20,000 to settle this out of court ‘and drop the attorney from the lawsuit. Be advised, I will not accept telephone calls. Only respond in writing ‘with an officer of your corporation signing your presentment. [At this time, I believe you are in possession of stolen, forged property that looks like a promissory note with my name on it. Please return the stolen forged property or give specific answers to my questions. Sincerely, 1 Ben Robbed 133,Non-Negotiable NOTICE OF HOLDER IN DUE COURSE STATUS From: 1. Ben Robbed, hereinafter “Borrower” To: XYZCredit Card Company, hereinafter “Alleged Lender” Date: Fri, Feb 15, 2002 Notice to the Principal is Notice to the Agent. Notice to the Agent Notice to the Principal. I, L Ben Robbed, hereby give notice that the bank is not a Holder in Due Course of a promissory note with the name of I. Ben Robbed on it, This is in regards to the alleged loan number # Previous notices to the XYZ Credit Card Company for adequate assurance of due petformance have not been properly and legally responded 10. Previous notices requesting specific terms and condi- tions regarding ifthe promissory note was used to fund the bank loan c’check have gone unanswered, Also unanswered were previous notices requesting ifthe terms and conditions of the alleged loan agreement intended to have the economics similar to stealing the promissory note, depositing the promissory note, using the promissory note as or like money or as a substitute for money that was used to fund a check ‘or similar instrument that was returned to the Borrower as a loan. Requests to know if GAAP, Generally Accepted Accounting Principles were followed, have also gone unanswered. I am of the belief that XYZ Credit Card Company has intentionally attempted to conceal the true terms and conditions of the alleged loan and the Borrower had n9 ‘opportunity to obtain the knowledge ofthe true terms that are similar to stealing, counterfeiting and swindling. The original alleged lender tnd financial institution involved in the alleged loan never paid one 134 cent o obtain the promissory note and thereby violated federal laws regarding GAAP. I now believe I have the evidence that the terms and conditions of the alleged agreement are concealed, the promissory note ‘was stolen, forged, and/or altered. No good ttle can pass with a theft. ‘There was no meeting of the minds or mutual assent regarding these ‘questions and you have refused to explain the terms and conditions by answering these questions. Therefore, there is no valid agreement. ‘The alleged lender and financial institution is not a holder in due course for the following reasons, The alleged lender and financial instittion knows or should have known the standard bookkeeping entries called GAAP, and the money trail, bookkeeping entries show ‘that the opposite happened compared to what the alleged agreement said was to happen. ‘One of the requirements of @ negotiable instrument is tha the instru- ‘ment must be payable for a fixed amount of money. My question is, from your view point according to your understanding of the agree- ment, is money deposited recorded as a bank asset or asa bank liability? Pleas list all forms of money or negotiable instruments you and the alleged lender and financial institation you are involved in, issuing the alleged fos, use as or ike or asa substittte as money oF ‘rect used to fund checks or bank drats. Specifically, did you or the alleged lender and financial institution use my promissory note a8 a thank asset which was offset by a bank liability? Specifically was my promissory note used to fund a check or bank draft? If my promissory note was used to fund a check, then I provided the money to fund the so called loan and you never lent me one cent of your money t0 purchase the note from me. Therefore, the economies are similar to stealing, counterfeiting and swindling against me, which T never greed to and which isnot part ofthe agreement. According to GAAP, if you used my promissory note to fund a check, you stole my promis- sory note or you recorded its a Joan from me to you and you sill owe 135,‘me money that you never lent me, Stealing changed the cost and the ‘isk ofthe transaction. T want to know specifically did you intend to eae the economics similar to stealing my promissory note as part of the agreement? Please answer yes or no. Ifyou refuse to tell me, then ‘we have fraud in the factum, which makes you no longer the holder in ‘due course. No good title passes with a theft. Since the promissory note is forged, and no good tite passes with a forged document, you are not the holder. I demand that the stolen forged promissory note now be returned or you answer all of my ‘(uestions in this notice and previous notices explaining the terms and conditions of the alleged agreement concerning the economies similar to stealing, counterfeiting and swindling Fraud has been committed when a false statement is made with the maker having knowledge thatthe statement would be relied upon with the intention that the other party will believe it and act upon it andthe Party having justifiable reliance on the truth of the statement incurs a damage. Anytime you havea thet, you havea damage. Thisis why Countrfeiters and thieves are put in prison. Criminals damage people. You claim the lender lent their money as consideration to purchase the Dromissory note from the borrower. You claim that you follow the federal laws of GAAP. You claim thatthe one who funded the loan is ‘o be repaid the money. The bookkeeping entries prove that I funded {he alleged loan and you never gave any money to purchase the Promissory note from me. The bookkeeping entries prove the eco- nomics are similar o stealing, counterfeiting and swindling and I want ‘You to tll me if this was the intent ofthe alleged loan agreement and if you efuse to answer and reveal the true terms and conditions of the alleged loan agreement Al past payments are considered tobe extortion payments and are not ‘in any way considered as validation of any allegeddebt owed. You 136 told me that if I do not pay the payments, that you would use legal ‘means to collect. 1am trying to resolve this matter by notices before filing court action, ALT have asked you todo is answer specific questions regarding the terms and conitons of what you claim isa oan, whether the po sory note was used to fund a check or similar instrument, and if you followed GAAP. This would tell me if the terms and conditions of the alleged loan have the economics similar to stealing, counterfeiting and swindling. So far, you have refused to claim that you followed federal law following GAAP and you have refused to deny that the economics are similar to stealing, counterfeiting and swindling, ‘To be a holder in due course you must perform the following 3 deeds: 1) purchase the promissory note from the borrower, 2) take the promissory note in good faith using honesty, absence of malice and the absence of design to defraud or to seek an unconscionable advantage (See Blacks Law Dictionary for good faith), and 3) have no notice of any defenses against payment of other claims on the promissory note. ‘The alleged lender never paid one cent of consideration to purchase the promissory note from the alleged borrower, GAAP was violated, and material facts of the alleged agreement were concealed concerning the economics similar to stealing, counterfeiting and swindling. You are not a holder in due course and I demand that you return the stolen promissory note or answer all of my questions to reveal the true terms and conditions of the alleged loan. If you refuse to answer, then it proves fraud in the factum, which is areal attack against the alleged holder in due course. Sincerely, 1. Ben Robbed 137